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The Moneywise 100: BE's guide to the best mutual funds.

LOOKING TO SECURE YOUR RETIREMENT with a healthy nest egg? Like most investors, you've probably gotten a bad case of whiplash surveying an increasingly volatile stock market, just take a look at its recent performance: The Dow Jones industrial average reached a milestone by passing the 14,000 mark in mid-July and, within just one month, dropped below 13,000 due to concerns in the credit markets triggered by the ongoing subprime lending crisis. These developments have left legions of individual investors dazed and confused. But one thing's for sure: those who invest for the long haul fare much better than market-diners or investors driven by herd mentality.

That's why our editors worked with Chicago-based mutual fund research firm Morningstar to create a list of consistent top performers. Welcome to our unveiling of the inaugural Moneywise 100--BE's guide to the best mutual funds across 10 categories. Our criteria include the following:

* Three- and five-year total returns in the top quartile of their respective categories

* No loads and a minimum initial investment of $2,500 or less

* A turnover rate and expense ratio less than the category average

* Fund manager tenure of three years or more

In addition to actively managed funds, we highlight a range of index funds plus a few select diversified exchange-traded funds. So whatever you're looking for, you can find the fund to match your objectives on the following pages. Doing so may get you a bit closer to sandy beaches during your golden years.

By The Editors
The Moneywise 100

 Ticker 3-Year 5-Year
 Fund Name Symbol Return Return

Large Cap

Janus Contrarian JSVAX 26.2% 22.0%
Columbia Marsico 21st Century Z NMYAX 19.1 18.4
RiverSource Diversified Equity Inc R4 IDQYX 19.9 17.3
Excelsior Value & Restructuring UMBIX 17.6 16.9
Hartford Value HLS IB HBVOX 16.8 16.5
Fifth Third Multi Cap Value Instl MXEIX 16.4 16.4
1st Source Monogram Income Equity FMIEX 17.6 14.7
Neuberger Berman Partners Tr NBPTX 18.0 14.5
T. Rowe Price Spectrum Growth PRSGX 15.4 14.2
American Funds New Economy F ANFFX 14.9 14.0
Mutual Shares Z MUTHX 16.4 13.8
Neuberger Berman Socially Resp Tr NBSTX 14.5 13.5
T. Rowe Price Value TRVLX 15.4 13.4
Manning & Napier Tax Managed A EXTAX 15.5 13.3
T. Rowe Price Value Adv PAVLX 15.2 13.2
Robeco Boston Partners Inv BPLIX 15.9 12.8
Seligman Large Cap Value I SLVIX 15.6 12.8
T. Rowe Price Growth Stock PRGFX 12.4 11.9
Neuberger Berman Guardian Tr NBGTX 14.3 11.8
Oppenheimer Equity Y OEQYX 13.1 11.5

Mid Cap

Hodges HDPMX 22.2 24.2
FBR Small Cap FBRVX 19.2 23.2
RiverSource Mid Cap Value R4 RMCVX 21.9 19.7
Janus Orion JORNX 20.7 18.3
Columbia Mid Cap Value Z NAMAX 19.9 16.9
Roosevelt Anti-Terror Multi-Cap BULLX 16.4 16.4
Fidelity Value FDVLX 17.7 16.1
Heartland Select Value HRSVX 18.9 16.1
Westcore Mid-Cap Value WTMCX 18.0 15.8
Janus Enterprise JAENX 16.2 15.8
Janus Adviser Mid Cap Growth S JGRTX 16.4 15.5
JHT Value Trust Ser I JEVLX 18.9 15.4

Small Cap

Royce Value Plus Service RYVPX 19.8 25.1
Royce Value Service RYVFX 21.5 23.6
Perritt Micro Cap Opportunities PRCGX 17.8 20.8
Columbia Small Cap Value II Z NSVAX 17.1 16.5
Gabelli Small Cap Growth AAA GABSX 16.3 16.1
Pennsylvania Mutual Inv PENNX 16.4 16.0
Excelsior Small Cap UMLCX 14.4 15.5
Westcore Small-Cap Opportunity WTSCX 16.2 15.5

Foreign Stock

Janus Overseas JAOSX 38.8 25.3
Fidelity Canada FICDX 29.4 24.9
Janus Adviser International Growth S JIGRX 37.8 24.3
Dodge & Cox International Stock DODFX 26.3 23.0
Alliance Bernstein Intl Growth Adv AWPYX 26.3 22.6
RiverSource Intl Select Value R4 26.0 21.2
Thomas White International TWWDX 29.4 21.0
SSgA International Stock Selection SSAIX 24.9 20.1
Manning & Napier World Opportunities A EXWAX 24.3 19.8
New Century International NCFPX 25.3 19.5
Sextant International SSIFX 24.7 18.6
American Funds EuroPacific Gr F AEGFX 23.4 18.4
Elfun International Equity EGLBX 25.1 18.0
GE Instl International Equity Inv GIEIX 24.5 17.6

Sector

Hartford Global Comm HLS IB HBGCX 14.1% 28.5%
Alpine International Real Estate EGLRX 33.0 27.6
Matthews Asian Technology MATFX 20.1 19.5
Buffalo Science & Technology BUFTX 11.7 17.4
Schwab Health Care SWHFX 15.4 17.3
T. Rowe Price Health Sciences PRHSX 12.1 14.8
VALIC I Health Sciences VCHSX 11.2 14.1
JHT Health Sciences Trust Ser I JEHSX 11.1 13.9
JHT Financial Services Trust Ser I JEFSX 14.8 13.4

Core Bond

Managers Bond MGFIX 5.6 6.6
American Funds Bond Fund of Amer F BFAFX 4.9 6.5
Westcore Plus Bond WTIBX 4.8 6.1
Baird Core Plus Bond Inv BCOSX 5.1 5.9
Wells Fargo Advantage Corp. Bond Adv SCBDX 4.1 5.7
Oppenheimer Core Bond Y OPBYX 4.6 5.6
Thompson Plumb Bond THOPX 3.3 5.6
Baird Aggregate Bond Inv BAGSX 4.3 5.1
Dodge & Cox Income DODIX 4.1 4.9
Analytic Short-Term Govt Inc Instl ANSTX 4.2 4.4

Specialty Bond

Fidelity Advisor High Income Advantage I FAHCX 13.1 18.6
Fidelity Capital & Income FAGIX 12.0 17.1
Loomis Sayles Bond Ret LSBRX 10.5 13.2
American Funds American Hi Inc Tr F AHTFX 9.3 12.6
Oppenheimer Strat Income Y OSIYX 8.8 10.2
American Funds Capital World Bd F WBFFX 6.5 9.0

Domestic Equity Index

DFA U.S. Large Cap Value II DFCVX 17.4 14.5
Schwab MarketTrack All Equity SWEGX 14.7 12.8
T. Rowe Price Total Equity Market Idx POMIX 12.6 11.7
Schwab Total Stock Market Index Inv SWTIX 12.4 11.6
Vantagepoint Broad Market Index I VPMIX 12.3 11.5
TIAA-CREF Instl Equity Index Instl TIEIX 12.3 11.4
Schwab 1000 Index Inv SNXFX 12.0 10.9
Schwab Instl Select S&P 500 ISLCX 11.7 10.6
GE Instl S&P 500 Index Inv GIDIX 11.5 10.5
Columbia Large Cap Index Z NINDX 11.5 10.5

International Equity Index

DFA Intl Value II DIVTX 27.5 23.4
STI Classic Intl Equity Index A SIIIX 22.0 17.4
T. Rowe Price International Eq Index PIEQX 21.9 17.3

Bond Index

Schwab Total Bond Market SWLBX 4.2 4.6
Columbia U.S. Treasury Index Z IUTIX 3.2 3.7
Schwab Short-Term Bond Market SWBDX 3.3 3.6

ETFs--U.S. Diversified

iShares Russell Midcap Value Index IWS 19.1 n/a
iShares Dow Jones US Basic Materials IYM 18.0 n/a
Materials Select Sector SPDR XLB 17.3 n/a
iShares NYSE Composite Index NYC 16.6 n/a
Rydex S&P Equal Weight RSP 14.0 n/a

 Minimum
 Expense Initial
 Fund Name Ratio Investment

Large Cap

Janus Contrarian 0.94% $2,500
Columbia Marsico 21st Century Z 1.01 0
RiverSource Diversified Equity Inc R4 0.93 2,000
Excelsior Value & Restructuring 1.05 500
Hartford Value HLS IB 0.89 0
Fifth Third Multi Cap Value Instl 1.29 1,000
1st Source Monogram Income Equity 1.15 1,000
Neuberger Berman Partners Tr 0.99 1,000
T. Rowe Price Spectrum Growth 0.81 2,500
American Funds New Economy F 0.79 250
Mutual Shares Z 0.76 1,000
Neuberger Berman Socially Resp Tr 1.13 1,000
T. Rowe Price Value 0.87 2,500
Manning & Napier Tax Managed A 1.20 2,000
T. Rowe Price Value Adv 1.02 2,500
Robeco Boston Partners Inv 1.11 2,500
Seligman Large Cap Value I 0.97 0
T. Rowe Price Growth Stock 0.70 2,500
Neuberger Berman Guardian Tr 1.04 1,000
Oppenheimer Equity Y 0.72 1,000

Mid Cap

Hodges 1.42 250
FBR Small Cap 1.38 2,000
RiverSource Mid Cap Value R4 1.16 2,000
Janus Orion 0.99 2,500
Columbia Mid Cap Value Z 0.87 0
Roosevelt Anti-Terror Multi-Cap 1.28 1,000
Fidelity Value 0.66 2,500
Heartland Select Value 1.25 1,000
Westcore Mid-Cap Value 1.23 2,500
Janus Enterprise 0.99 2,500
Janus Adviser Mid Cap Growth S 1.15 2,500
JHT Value Trust Ser I 0.83 0

Small Cap

Royce Value Plus Service 1.26 2,000
Royce Value Service 1.31 2,000
Perritt Micro Cap Opportunities 1.29 1,000
Columbia Small Cap Value II Z 1.02 0
Gabelli Small Cap Growth AAA 1.44 1,000
Pennsylvania Mutual Inv 0.87 2,000
Excelsior Small Cap 1.22 500
Westcore Small-Cap Opportunity 1.30 2,500

Foreign Stock

Janus Overseas 0.91 2,500
Fidelity Canada 0.97 2,500
Janus Adviser International Growth S 1.23 2,500
Dodge & Cox International Stock 0.66 2,500
Alliance Bernstein Intl Growth Adv 1.13 0
RiverSource Intl Select Value R4 1.30 2,000
Thomas White International 1.44 2,500
SSgA International Stock Selection 1.00 1,000
Manning & Napier World Opportunities A 1.16 2,000
New Century International 2.42 1,000
Sextant International 1.02 l,000
American Funds EuroPacific Gr F 0.78 250
Elfun International Equity 0.18 500
GE Instl International Equity Inv 0.56 0

Sector

Hartford Global Comm HLS IB 0.89% $0
Alpine International Real Estate 1.17 1,000
Matthews Asian Technology 1.39 2,500
Buffalo Science & Technology 1.03 2,500
Schwab Health Care 0.84 100
T. Rowe Price Health Sciences 0.87 2,500
VALIC I Health Sciences 1.16 0
JHT Health Sciences Trust Ser I 1.16 0
JHT Financial Services Trust Ser I 0.91 0

Core Bond

Managers Bond 0.99 2,000
American Funds Bond Fund of Amer F 0.60 250
Westcore Plus Bond 0.55 2,500
Baird Core Plus Bond Inv 0.55 2,500
Wells Fargo Advantage Corp. Bond Adv 1.00 1,000
Oppenheimer Core Bond Y 0.55 1,000
Thompson Plumb Bond 0.72 2,500
Baird Aggregate Bond Inv 0.55 2,500
Dodge & Cox Income 0.44 2,500
Analytic Short-Term Govt Inc Instl 0.60 2,500

Specialty Bond

Fidelity Advisor High Income Advantage I 0.81 2,500
Fidelity Capital & Income 0.75 2,500
Loomis Sayles Bond Ret 1.00 2,500
American Funds American Hi Inc Tr F 0.68 250
Oppenheimer Strat Income Y 0.58 0
American Funds Capital World Bd F 0.89 250

Domestic Equity Index

DFA U.S. Large Cap Value II 0.16 0
Schwab MarketTrack All Equity 0.50 100
T. Rowe Price Total Equity Market Idx 0.40 2,500
Schwab Total Stock Market Index Inv 0.53 100
Vantagepoint Broad Market Index I 0.44 0
TIAA-CREF Instl Equity Index Instl 0.08 0
Schwab 1000 Index Inv 0.49 100
Schwab Instl Select S&P 500 0.10 100
GE Instl S&P 500 Index Inv 0.15 0
Columbia Large Cap Index Z 0.14 0

International Equity Index

DFA Intl Value II 0.27 0
STI Classic Intl Equity Index A 0.91 2,000
T. Rowe Price International Eq Index 0.50 2,500

Bond Index

Schwab Total Bond Market 0.00 100
Columbia U.S. Treasury Index Z 0.38 2,500
Schwab Short-Term Bond Market 0.55 100

ETFs--U.S. Diversified

iShares Russell Midcap Value Index 0.25 n/a
iShares Dow Jones US Basic Materials 0.48 n/a
Materials Select Sector SPDR 0.24 n/a
iShares NYSE Composite Index 0.25 n/a
Rydex S&P Equal Weight 0.40 n/a

 Fund Name Website

Large Cap

Janus Contrarian www.janus.com
Columbia Marsico 21st Century Z www.columbiafunds.com
RiverSource Diversified Equity Inc R4 www.riversource.com
Excelsior Value & Restructuring www.excelsiorfunds.com
Hartford Value HLS IB www.hartfordinvestor.com
Fifth Third Multi Cap Value Instl www.53.com
1st Source Monogram Income Equity www.1stsource.com
Neuberger Berman Partners Tr www.nb.com
T. Rowe Price Spectrum Growth www.troweprice.com
American Funds New Economy F www.americanfunds.com
Mutual Shares Z www.franklintempleton.com
Neuberger Berman Socially Resp Tr www.nb.com
T. Rowe Price Value www.troweprice.com
Manning & Napier Tax Managed A www.manningnapieradvisors
 .com
T. Rowe Price Value Adv www.troweprice.com
Robeco Boston Partners Inv www.robecoinvest.com
Seligman Large Cap Value I www.seligman.com
T. Rowe Price Growth Stock www.troweprice.com
Neuberger Berman Guardian Tr www.nb.com
Oppenheimer Equity Y www.oppenheimerfunds.com

Mid Cap

Hodges www.hodgesfund.com
FBR Small Cap www.fbrfunds.com
RiverSource Mid Cap Value R4 www.riversource.com
Janus Orion www.janus.com
Columbia Mid Cap Value Z www.columbiafunds.com
Roosevelt Anti-Terror Multi-Cap www.anti-terrorfund.com
Fidelity Value www.fidelity.com
Heartland Select Value www.americanvalueinvestor
 .com
Westcore Mid-Cap Value www.westcore.com
Janus Enterprise www.janus.com
Janus Adviser Mid Cap Growth S www.janus.com
JHT Value Trust Ser I www.jhfunds.com

Small Cap

Royce Value Plus Service www.roycefunds.com
Royce Value Service www.roycefunds.com
Perritt Micro Cap Opportunities www.perrittmutualfunds.com
Columbia Small Cap Value II Z www.columbiafunds.com
Gabelli Small Cap Growth AAA www.gabelli.com
Pennsylvania Mutual Inv www.roycefunds.com
Excelsior Small Cap www.excelsiorfunds.com
Westcore Small-Cap Opportunity www.westcore.com

Foreign Stock

Janus Overseas www.janus.com
Fidelity Canada advisor.fidelity.com
Janus Adviser International Growth S www.janus.com
Dodge & Cox International Stock www.dodgeandcox.com
Alliance Bernstein Intl Growth Adv www.alliancebernstein.com
RiverSource Intl Select Value R4 www.riversource.com
Thomas White International www.thomaswhite.com
SSgA International Stock Selection www.ssgafunds.com
Manning & Napier World Opportunities A www.manningnapieradvisors
 .com
New Century International www.newcenturyportfolios.com
Sextant International www.saturna.com
American Funds EuroPacific Gr F www.americanfunds.com
Elfun International Equity www.gefunds.com/elfun
GE Instl International Equity Inv www.geam.com

Sector

Hartford Global Comm HLS IB institutional.hartfordlife
 .com
Alpine International Real Estate www.alpinecef.com
Matthews Asian Technology www.matthewsfunds.com
Buffalo Science & Technology www.buffalofunds.com
Schwab Health Care www.schwab.com
T. Rowe Price Health Sciences www.troweprice.com
VALIC I Health Sciences www.aigvalic.com
JHT Health Sciences Trust Ser I wwwjhfunds.com
JHT Financial Services Trust Ser I www.jhannuities.com

Core Bond

Managers Bond www.managersinvest.com
American Funds Bond Fund of Amer F www.americanfunds.com
Westcore Plus Bond www.westcore.com
Baird Core Plus Bond Inv www.rwbaird.com
Wells Fargo Advantage Corp. Bond Adv www.wellsfargoadvantagefunds
 .com
Oppenheimer Core Bond Y www.oppenheimerfunds.com
Thompson Plumb Bond www.thompsonplumb.com
Baird Aggregate Bond Inv www.rwbaird.com
Dodge & Cox Income www.dodgeandcox.com
Analytic Short-Term Govt Inc Instl www.aninvestor.com

Specialty Bond

Fidelity Advisor High Income Advantage I advisor.fidelity.com
Fidelity Capital & Income www.fidelity.com
Loomis Sayles Bond Ret www.ixisadvisorfunds.com
American Funds American Hi Inc Tr F www.americanfunds.com
Oppenheimer Strat Income Y www.oppenheimerfunds.com
American Funds Capital World Bd F www.americanfunds.com

Domestic Equity Index

DFA U.S. Large Cap Value II www.dfaus.com
Schwab MarketTrack All Equity www.schwab.com
T. Rowe Price Total Equity Market Idx www.troweprice.com
Schwab Total Stock Market Index Inv www.schwab.com
Vantagepoint Broad Market Index I www.icmarc.org
TIAA-CREF Instl Equity Index Instl www.tiaa-cref.org
Schwab 1000 Index Inv www.schwab.com
Schwab Instl Select S&P 500 www.schwab.com
GE Instl S&P 500 Index Inv www.geam.com
Columbia Large Cap Index Z www.columbiafunds.com

International Equity Index

DFA Intl Value II www.dfaus.com
STI Classic Intl Equity Index A www.sticlassicfunds.com
T. Rowe Price International Eq Index www.troweprice.com

Bond Index

Schwab Total Bond Market www.schwab.com
Columbia U.S. Treasury Index Z www.columbiafunds.com
Schwab Short-Term Bond Market www.schwab.com

ETFs--U.S. Diversified

iShares Russell Midcap Value Index www.ishares.com
iShares Dow Jones US Basic Materials www.ishares.com
Materials Select Sector SPDR www.spdrindex.com
iShares NYSE Composite Index www.ishares.com
Rydex S&P Equal Weight www.rydexfunds.com

SOURCE: MORNINGSTAR INC. MORNINGSTAR MAKES EVERY EFFORT TO ENSURE THE
ACCURACY AND COMPLETENESS OF THIS DATA, BUT CANNOT GUARANTEE IT. TOP
FUNDS IN EACH CATEGORY, RANKED BY FIVE-YEAR RETURNS. OPEN TO THE
PUBLIC, RETURNS THROUGH JUNE 30, 2007.
COPYRIGHT 2007 Earl G. Graves Publishing Co., Inc.
No portion of this article can be reproduced without the express written permission from the copyright holder.
Copyright 2007, Gale Group. All rights reserved.

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Title Annotation:RETIREMENT PLANNING
Publication:Black Enterprise
Date:Oct 1, 2007
Words:2842
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